Because the means test under BAPCPA requires a determination that the debtor's income is above the median income for his or her household size, see supra note 244 for further discussion, median income figures are readily available for a creditor to review.

166) Possibly as Congress acts to fix the inadequacies of BAPCPA, it would also take into account that many of these inefficiencies can be remedied by giving the bankruptcy courts more procedural teeth.

BAPCPA should not have had any consequence for the a priori safer individuals with low likelihoods of resulting in bankruptcy before reimbursing their student loans (Nica, 2016): the loan issuers should have envisaged that such borrowers presented practically no bankruptcy risk (Popescu et al.

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